The long hours of study, the grueling night shifts, the heavy burden of student loans. As a female physician it’s obvious that you have paid your dues to get where you are today. And it goes without saying that you have worked just as hard as your male counterparts to achieve your goals.

So if you were told that your rates would be higher for long term disability insurance than those paid by male physicians – for the same level of coverage – you might be somewhat surprised and more than a little disappointed.

Most physicians carry health and disability insurance. But if a serious, potentially life-threatening illness were to strike, will your finances be adequately protected? Health insurance will cover some medical costs, and a disability policy will cover some of your lost salary. How could Critical Illness insurance help you in these circumstances? By paying a lump sum benefit of up to $250,000 when you're diagnosed with a serious, life-altering condition. Find out more about this coverage and how it can help you.

There’s truth to the idea that says: You can’t predict an accident, but you can prepare for one.

Accidents can happen to anyone, at any time. But while we can’t know if or when a serious injury or accident might occur, we may at least help protect ourselves and our family from the financial fallout of such a life-changing event. That is the value of Accidental Death and Dismemberment (AD&D) insurance.

How did you fare during this year’s cold and flu season? A cold or bout with the flu can slow you down - perhaps you missed a few days of work - but before long, you were back to your routine of seeing patients and taking care of your practice. Minor illnesses create minor inconvenience, and these are overcome quickly. But if you are a practice owner or partner, what would happen to you if you became seriously ill or injured? Without the proper protection, these can create major stumbling blocks that are able to destroy your practice and your financial livelihood.

When you graduate you will embark on a new chapter in your professional life. You’ll be starting a new job – with new responsibilities, working with new colleagues, maybe even moving into a new home and starting a family.

Before you graduate, however, we want to remind you about the benefits that come with your TMA membership – some of which, you may not even be aware are available to you. This could be a good time to review those benefits, as they can be very valuable, particularly when you transition to the next phase of your career.

In life, change is inevitable. You may be preparing to welcome a new family member, get married, or change employment; and with any major change, there are many considerations. What some physicians miss at these times is the chance to make adjustments to their health insurance coverage. At TMA Insurance Trust, we can help you navigate the health insurance options that present themselves during these moments of change in your life. Here’s how we can help.

You have invested heavily in your future; putting forth effort, time, and significant expense to get where you are today. As you near the conclusion of your medical residency, you expect a successful career of personal satisfaction and accomplishment. Still, no one can say with certainty what the future holds. If the unexpected should happen, proper insurance coverage will help you meet the unknown head on. What type on insurance should you carry as a resident or fellow? For those who aren’t sure where to start, we have created a package of the most essential insurance products for physicians who are starting out in their careers.

We’ve become used to it by now – those little messages that pop up on our cell phone or computer. The notices that tell us it’s time for an update.